Best Business Insurance Companies for Masons 2025 (Top 10 Providers)
Explore the best business insurance for masons with Progressive, Farmers, and Auto-Owners. Unlock exclusive discounts and coverages of up to 25% while exploring their meticulously tailored options and uncover why these industry giants are renowned as leaders in masonry business insurance.
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Table of Contents
Table of Contents
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Updated January 2025
13,283 reviewsCompany Facts
Full Coverage for Masons
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviews
3,072 reviewsCompany Facts
Full Coverage for Masons
A.M. Best Rating
Complaint Level
Pros & Cons
3,072 reviews
563 reviewsCompany Facts
Full Coverage for Masons
A.M. Best Rating
Complaint Level
Pros & Cons
563 reviews
Progressive, Farmers, and Auto-Owners are widely recognized as the top picks for the best business insurance for masons, providing competitive rates and comprehensive coverage.
In this detailed guide, explore crucial factors to consider when choosing insurance, such as tailored policies, industry expertise, and customer satisfaction.
Our Top 10 Company Picks: Best Business Insurance for Masons
Company Rank Business Insurance Discount Multi-Policy Discount Best For Jump to Pros/Cons
#1 25% 12% Competitive Pricing Progressive
#2 15% 10% Customizable Coverage Farmers
#3 20% 8% Local Agents Auto-Owners
#4 30% 15% Multiple Coverage State Farm
#5 20% 10% Customer Service Allstate
#6 25% 12% Financial Stability Liberty Mutual
#7 18% 9% Online Quotes Hiscox
#8 15% 8% Specialized Coverage Chubb
#9 10% 15% Tailored Coverage Nationwide
#10 23% 10% Comprehensive Business Travelers
Gain expert insights and recommendations to protect your masonry business confidently and effectively. For additional details, refer to our comprehensive report titled “Compare the Best Insurance Quotes in the Country.”
- Progressive stands out with a 15% discount for masons
- Uncover top-rated business insurance options crafted for masonry businesses
- Explore comprehensive coverage, competitive rates, and exceptional service
#1 – Progressive: Top Overall Pick
Pros
- Competitive Pricing: Progressive insurance review & ratings highlight its competitive pricing, appealing to budget-conscious clients.
- Convenient Online Tools: They provide user-friendly online tools for managing policies and claims, enhancing customer convenience.
- Wide Range of Coverage Options: Progressive offers a comprehensive selection of coverage options, allowing customers to tailor policies to their specific needs.
Cons
- Limited Agent Availability: Progressive’s focus on online services may result in limited availability of local agents for in-person support.
- Complex Claims Process: Some customers report challenges with the claims process, citing complexities and delays in resolution.
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#2 – Farmers: Best for Customization Specialist
Pros
- Customization Options: Farmers Insurance offers customizable policies, allowing masons to tailor coverage to their specific business needs.
- Strong Customer Support: Farmers insurance review & ratings highlight the company’s reputation for dependable customer support, offering helpful guidance and support whenever required.
- Variety of Coverage: They provide a range of insurance products beyond basic coverage, including options for property, liability, and more.
Cons
- Potentially Higher Costs: Farmers’ policies may be priced higher compared to some competitors, depending on individual circumstances.
- Limited Availability: Farmers Insurance may not be available in all regions, limiting accessibility for some masons.
#3 – Auto-Owners: Best for Local Agent Focus
Pros
- Local Agent Focus: Auto-Owners emphasizes personalized service through a network of local agents, ensuring personalized support and quick responses to policyholders’ needs.
- Strong Customer Satisfaction: The company consistently ranks high in customer satisfaction surveys, reflecting its commitment to delivering excellent service and claims handling.
- Comprehensive Coverage Options: The Auto-Owners insurance review & ratings provides a diverse selection of coverage choices designed specifically for masonry contractors, ensuring that unique business risks are effectively managed.
Cons
- Limited Online Presence: Compared to some competitors, Auto-Owners may have fewer online tools and resources for managing policies or obtaining quotes.
- Regional Availability: Auto-Owners operates mainly in certain regions of the United States, potentially limiting coverage options for masons located outside these areas.
#4 – State Farm: Best for Multiple Coverage
Pros
- Diverse Coverage Options: State Farm insurance review and ratings provides a diverse selection of insurance products beyond business coverage, allowing customers the convenience of bundling policies.
- Strong Financial Stability: State Farm’s solid financial strength provides assurance that claims will be paid promptly and efficiently.
- Personalized Customer Service: The company is known for its personalized customer service, with a vast network of local agents ready to assist policyholders.
Cons
- Potentially Higher Premiums: State Farm’s comprehensive coverage may come with slightly higher premiums compared to some competitors.
- Limited Online Quoting: Online quoting options for business insurance might be limited, requiring more direct interaction with agents for detailed quotes.
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#5 – Allstate: Best for Customer Service
Pros
- Strong Customer Service: Allstate is known for its excellent customer service, offering 24/7 support and a user-friendly claims process.
- Wide Range of Coverage Options: The Allstate insurance review & ratings features a wide range of insurance offerings, encompassing home, auto, life, and business insurance, enabling customers to consolidate policies for ease of management.
- Innovative Features: Allstate offers innovative features like Drivewise, which rewards safe driving habits with discounts, and QuickFoto Claim for expedited claims processing.
Cons
- Premium Costs: Allstate’s premiums can be higher compared to some competitors, especially for certain coverage types and regions.
- Limited Local Agent Network: While Allstate has a network of agents nationwide, the availability of local agents may vary, potentially affecting personalized service for some customers.
#6 – Liberty Mutual: Best for Financially Stability
Pros
- Financial Stability: Liberty Mutual is a financially robust insurer, providing confidence that claims will be handled promptly and effectively.
- Range of Coverage Options: Offers a diverse range of insurance products beyond business coverage, allowing for convenient bundling of personal and commercial policies.
- Strong Customer Service: Liberty Mutual insurance review & ratings demonstrates the company’s tailored approach to coverage, showcasing customized solutions for responsive and helpful customer service that facilitates efficient policy management and inquiry resolution.
Cons
- Higher Premiums: Compared to some competitors, Liberty Mutual’s premiums may be higher, particularly for certain coverage types.
- Limited Discounts: While offering competitive rates, Liberty Mutual may have fewer discount opportunities compared to other insurers, potentially affecting overall affordability.
#7 – Hiscox: Best for Online Quotes
Pros
- Specialized Coverage Options: Hiscox offers tailored insurance solutions designed specifically for small businesses, including masonry contractors, addressing their unique needs and risks.
- Innovative Policies: Hiscox is known for its innovative approach to insurance, providing flexible and comprehensive coverage that can adapt to changing business environments.
- Strong Customer Support: Customers praise Hiscox for its responsive and helpful customer service, ensuring quick assistance and clear communication during the insurance process.
Cons
- Premium Pricing: Hiscox’s specialized coverage may come at a higher cost compared to more generalized insurance providers, potentially impacting budget-conscious businesses.
- Limited Coverage Areas: While Hiscox excels in certain niche areas, its coverage may not be as comprehensive for businesses requiring a wider range of insurance protections.
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#8 – Chubb: Best for Specialized Coverage
Pros
- Specialized Coverage: Chubb insurance review & ratings feature specialized insurance policies designed specifically for masonry businesses, delivering thorough coverage that addresses their distinct risks.
- Financial Stability: Chubb is a financially robust insurer, providing peace of mind that claims will be handled efficiently and reliably.
- Global Presence: With a global presence, Chubb can offer support and coverage for masonry contractors operating internationally.
Cons
- Premium Costs: Chubb’s specialized coverage may come at a higher premium compared to more generalized insurance providers.
- Limited Accessibility: Chubb’s policies may not be as accessible to smaller masonry businesses or those with specific budget constraints.
#9 – Nationwide: Best for Tailored Coverage
Pros
- Tailored Coverage Options: Nationwide offers tailored insurance solutions, including specialized coverage for masonry contractors, allowing you to customize your policy to fit your specific business needs.
- Strong Financial Stability: Check out the Nationwide insurance review & rating to see how the company offers customized coverage tailored to your specific needs, demonstrating their commitment to personalized insurance solutions.
- Nationwide Network: As a well-established insurer, Nationwide has a wide network of agents and resources, making it convenient to access support and services wherever your business operates.
Cons
- Potentially Higher Premiums: Nationwide’s comprehensive coverage may come with relatively higher premiums compared to some competitors, especially for businesses with specific risk profiles.
- Limited Local Presence: While Nationwide has a broad network, its local presence might be less extensive compared to regional insurers, which could impact personalized service in certain areas.
#10 – Travelers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Travelers offers extensive coverage options, including general liability, commercial property, and business interruption insurance, catering well to the needs of masonry contractors.
- Strong Financial Stability: With a solid financial standing and high ratings from agencies like A.M. Best, Travelers provides reassurance that claims will be handled efficiently.
- Industry Expertise: The Travelers insurance review & ratings highlights Travelers’ longstanding commitment to supporting businesses in diverse sectors, offering specialized expertise and customized solutions specifically beneficial to masonry contractors.
Cons
- Potentially Higher Costs: While offering comprehensive coverage, Travelers’ premiums might be relatively higher compared to some competitors.
- Limited Local Agent Presence: Finding a local agent might be challenging in certain areas, which could impact personalized service for some policyholders.
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General Liability Insurance for Masons
General liability insurance is a fundamental coverage that masons should consider when protecting their business. This policy provides essential protection against third-party claims and lawsuits that may arise from accidents or injuries that occur during your masonry operations. Here are some key aspects of general liability insurance for masons:
- Bodily Injury Coverage: If someone gets injured at your work site, this insurance helps cover medical expenses, legal fees, and settlements related to their injuries.
- Products Liability Coverage: If you sell masonry-related products, this coverage protects you if a product causes harm or damage to a customer.
Moreover property damage coverage helps pay for repairs or replacements if your masonry work accidentally damages someone else’s property. Additionally, completed operations coverage provides protection for issues that may arise from your finished masonry projects, such as damaging someone’s property or injuries occurring later.
- Advertising and Personal Injury Coverage: It covers claims related to advertising offenses or personal injuries, such as defamation or invasion of privacy. For additional details, explore our comprehensive resource titled “Personal Injury Protection (PIP) Insurance“
By having general liability insurance in place, masons can focus on their work with the confidence that they have financial protection against unforeseen accidents that hurt someone or lawsuits that could potentially jeopardize their business’s stability.
This is not an exhaustive list of coverage details, and it is essential to review the policy documentation and consult with an insurance professional to understand the specific terms, conditions, and exclusions of your general liability insurance policy.
Jeff Root Licensed Life Insurance Agent
Contact mason insurance to compare rates from the best business insurance providers and ensure you get the most comprehensive coverage that fits your needs and budget. Safeguard your masonry business today and build a strong foundation for its success.
Exploring Additional Coverage Options for Masonry Contractors
In addition to the essential insurance policies mentioned earlier, there are a few other coverage options that masonry contractors may consider to further protect their business:
- Umbrella Insurance: Provides extra liability coverage beyond the limits of primary policies, offering added financial protection in case of significant damages or lawsuits.
- Cyber Liability Insurance: Covers costs associated with data breaches, cyberattacks, and other cyber incidents, safeguarding your business if you store sensitive client information or rely on computer systems.
Business interruption insurance helps cover lost income and necessary expenses during unexpected events that disrupt your masonry operations, ensuring financial stability during downtime. To gain further insights, consult our comprehensive guide titled “Business Insurance: A Complete Guide.”
Additionally, employment practices liability insurance (EPLI) protects against claims related to wrongful termination, discrimination, harassment, and other employment issues, covering legal expenses and potential settlements.
- Inland Marine Insurance: Offers broader coverage for property transported or used at different locations, protecting tool & equipment, materials, and assets in transit or at job sites.
- Environmental Liability Insurance: Essential if your masonry work involves hazardous materials or potential environmental damage, covering costs for cleanup, restoration, and legal liabilities.
Assess your specific business needs and consult with an insurance professional to determine which additional coverage options are suitable for your masonry contracting business.
This ensures comprehensive protection against all potential risks and provides tailored policies addressing unique industry challenges, including life insurance for masons and masonry contractor insurance.
Understanding the Factors Affecting Insurance Costs for Masonry Contractors
Several factors can impact the cost of insurance for masonry businesses. Understanding these factors can help you estimate and manage your insurance expenses effectively. Here are some key elements that insurance providers consider when determining insurance costs for masons:
- Business Size: Your masonry business’s scale affects insurance costs, with larger operations having higher premiums due to increased risks. Additionally, working with hazardous materials or on complex projects can raise insurance premiums, and a history of frequent claims results in higher premiums, while a clean record leads to better rates.
- Coverage Limits: Higher limits increase costs but provide more protection. Higher deductibles lower premiums but consider your ability to cover them. Natural disasters and crime rates in your area impact insurance costs.
- Safety Measures and Policy Feature: Risk management practices may qualify your business for discounts. Additional features increase premiums assess their value based on your needs. To delve deeper, refer to our in-depth report titled “How does the insurance company determine my premium?.”
Remember, insurance costs are specific to each masonry business and can vary significantly based on individual circumstances.
Business Insurance Companies Monthly Rates for Masons by Coverage Level
Insurance Company Minimum Coverage Full Coverage
Allstate $140 $320
Auto-Owners $110 $270
Chubb $160 $340
Farmers $120 $280
Hiscox $150 $330
Liberty Mutual $125 $290
Nationwide $135 $310
Progressive $100 $250
State Farm $130 $300
Travelers $145 $325
Consulting with insurance professionals and obtaining multiple quotes from reputable providers will help you understand the factors affecting your insurance costs and make informed decisions to protect your business effectively.
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Securing Business Insurance for Masons: A Step-by-Step Guide
Obtaining masonry business insurance is a straightforward process that involves a few important seven steps. Here’s a detailed guide to help you navigate through the process:
- Evaluate Insurance Needs: Assess coverage based on business nature, projects, and state mason insurance requirements and research providers and find reputable insurers specializing in masonry. Consider experience, reviews, and options. To gain profound insights, consult our extensive guide titled “Insurance Agents.”
- Request and Compare Quotes: Get quotes from multiple providers, compare coverage, terms, exclusions, and rates but important to seek professional advice to insure professional guidance needed.
- Purchase Policy: Complete paperwork or online forms with chosen provider. Review terms and make payments. and maintain and review coverage, regularly update insurance to align with business needs gather information like structure, revenue, employees, tenure, and claims history.
By following these steps, you can navigate the process of obtaining masonry business insurance smoothly and secure the necessary coverage to protect your business and assets.
Case Studies: Business Insurance in Action for Masons
Explore business insurance essentials for masons, including key coverage options and real-world case studies highlighting the importance of insurance protection.
- Case Study #1 – General Liability Coverage in Action: John, a masonry business owner, faced a visitor injury on his property. His general liability insurance covered medical expenses and legal fees, protecting his business from financial liabilities.
- Case Study #2 – Property Damage Protection: Sarah’s masonry company suffered equipment damage from a fire. Her commercial property insurance swiftly covered replacement costs, enabling a quick recovery and minimal financial impact.
- Case Study# 3 – Workers’ Compensation Benefits: Michael, a self-employed mason, injured his hand at a job site. His workers’ compensation insurance covered medical expenses and lost wages, ensuring financial security during recovery and safeguarding his business against liability. For a comprehensive overview, explore our detailed resource titled “What is worker’s compensation?.”
We appreciate you delving into our comprehensive guide on business insurance tailored for masons. Securing appropriate coverage is essential to ensure the financial stability and continued success of your masonry business.
Dani Best Licensed Insurance Producer
For personalized assistance and expert guidance in choosing the right insurance solutions, we encourage you to connect with an experienced insurance professional. Your business’s protection is our priority!
In Brief: Safeguarding Your Masonry Business With Comprehensive Insurance Coverage
Securing the right business insurance is vital for masonry contractors to safeguard their livelihoods. The key takeaway is the importance of comprehensive coverage that addresses the unique risks faced by the industry. General liability insurance, combined with commercial property coverage in a business owner’s policy, offers cost-effective protection.
Workers’ compensation insurance ensures employee and sole proprietor safety, while commercial auto insurance covers accidents involving company vehicles. Contractor’s tools and equipment insurance replaces stolen or damaged tools, and professional liability insurance mitigates legal expenses from errors.
Injuries and damage involving your business vehicles can significantly impact your masonry business. By understanding insurance needs, researching providers, and regularly reviewing coverage, masons can focus on their craft with peace of mind.
Enter your ZIP code into our quote comparison tool below to secure cheaper insurance rates for your business.
Frequently Asked Questions
What are the essential coverage options for masonry contractor insurance in Texas?
Essential coverage options for masonry contractor insurance in Texas typically include general liability, workers’ compensation, commercial auto, and coverage for tools and equipment. Specific insurance needs may vary based on the size and nature of the masonry business.
How can I get a certificate of insurance?
To obtain a certificate of insurance for your masonry business, contact your insurance provider and provide the details required for the certificate. Request the certificate from your provider and review it for accuracy before sending it directly to the requesting party.
Protect your company and employees with adequate coverage — enter your ZIP code below to instantly compare commercial insurance quotes with our free comparison tool.
What do I need to have to get an insurance quote online for masons?
To get an insurance quote online for your masonry business, provide your business details (name, address, years in operation, annual revenue), specify needed coverage, describe your masonry operations and number of employees, and share any vehicle information or claims history. Use this information to fill out online forms on insurance websites and receive a personalized quote.
For a comprehensive analysis, refer to our detailed guide titled “Insurance Quotes Online.”
How does insurance for professional mistakes protect masonry contractors?
Insurance for professional mistakes helps masonry contractors by providing coverage for errors or negligence in their work, ensuring financial protection against potential claims or lawsuits related to these mistakes.
How does insurance protect against theft or damage to your tools?
Insurance can cover theft or damage to your tools, providing financial protection for replacements or repairs.
What type of insurance is most important for masonry contractor?
For a masonry contractor, the most important types of insurance include general liability, workers’ compensation (if you have employees), commercial auto (if you use vehicles), and coverage for tools and equipment. Additionally, health insurance is essential to provide coverage for medical expenses and ensure the well-being of yourself and your employees.
To gain in-depth knowledge, consult our comprehensive resource titled “Health Insurance: A Complete Guide.”
What savings and payment options are available for mason insurance policies?
You can save up to 25% in discounts on mason insurance and choose to pay monthly or annually, with the flexibility to cancel instantly at any time.
To find cheap business insurance, enter your ZIP code into our free quote comparison tool below and get covered today.
Key considerations for mason contractor insurance in California include coverage for general liability, workers’ compensation, commercial auto, tools and equipment, and adherence to California’s specific insurance regulations and requirements.
What are some key considerations and coverage details included in a general liability insurance policy for masonry contractors?
A general liability insurance policy for masonry contractors typically covers bodily injury, property damage, and advertising injury claims. It can also include legal defense costs.
For detailed information, refer to our comprehensive report titled “Commercial General Liability (CGL) Insurance.“
How is insurance calculated?
All insurance companies use data and statistics to predict levels of risk for various individuals or groups. This risk calculation information is also used to develop rating plans. Generally, higher risk factors will result in higher premium rates and lower risk factors will drive premiums lower.
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